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Little details that matter

Eligibility criteria

Be a member of a provincial professional order of lawyers, accountants (CPAs) or notaries, or be a graduate of HEC Montréal (minimum level required: Bachelor's Degree) or of the Rotman School of Management

®Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

® The Personal Flex Line, the All-In-One and The Total are registered trademarks of National Bank of Canada.

TM The NATGO word mark is a trademark of National Bank of Canada, and is used under license by authorized third parties.

National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.

1. Subject to credit approval by National Bank. The $1,504.50 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: a banking package equivalent to The Total®, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000 and a personal line of credit with an annual balance of $25,000, and has a good credit rating.

Savings are calculated as follows: Monthly fee of $9.95 for transactions included in The Total® package, instead of $25.95 (annual savings of $192), plus an annual discount of 0.50% on the All-In-One line of credit rate (annual savings of $750), plus an annual discount of 2.25% on the rate of a personal line of credit (annual savings of $562.50). These savings represent the difference between what a client with the offer and a client without it would pay. Certain eligibility conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.

2. Subject to credit approval by National Bank of Canada. Certain conditions apply.

3. A chequing account. Some services such as the passbook and paper statement by mail are not included.

6. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period:

Annual interest rate

Average balance

$500

$3,000

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on December 20, 2016.

7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.

10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum instalment must be made without using the line of credit.

11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p1.tauxBase|percent:"true"} + 1%
This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

12. This offer must be renewed annually on presentation of identification and proof of professional status.

13. National Bank reserves the right to cancel the savings and benefits offered as part of the banking offer at any time, without prior notice, if the client closes his eligible bank account or Mastercard credit card and replaces them with an ineligible account or Mastercard credit card.

14. For more details, contact an advisor.

15. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.

16. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions. Clients must also sign up to receive all their documents electronically.

** The promotional offer is valid from May 27, 2019 to October 31st, 2019.

The offer is intended for all persons and National bank clients without any checking account at National Bank.

To qualify, you must open a checking account and sign up for the below eligible products during the promotional period. You must have reached the age of majority at the time of your enrollment in the covered products.

The offer may be modified, extended, or withdrawn without prior notice at any time. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other National Bank offer, promotion or benefit and cannot be applied retroactively. There is a limit of one cashback per subscribed product during this promotion. The client cannot benefit of the offer more than once. Only the primary account holder is eligible for the offer. The actual secondary account holders that open a new account are not eligible to the offer. The cashback amount varies according to the conditions fulfilled.

Cashback details

To be eligible for the Chequing account offer and get up to $100 cashback, you must open a new Chequing account linked to one of the eligible Offers for professionals or Offers for students and meet the promotional offer conditions.

1st Cashback with the opening of and eligible checking account

Additional Cashback with a recurring and automatic direct deposit to the account

Maximum and total Cashback

Offer for Professionals; Offer for Students; Offer for Newcomers

$50

+$50

$100

1st Cashback with the opening of and eligible checking account

Additional Cashback with a recurring and automatic direct deposit to the account

Maximum and total Cashback

Offer for Professionals; Offer for Students; Offer for Newcomers

$50

+$50

$100

1st Cashback conditions.

After opening your new checking account and choose an eligible product you must:

- Sign up to online banking and to online statement

- Carry out at least one eligible transaction in your new bank account. (Interest charges and banking fees charged to the account are not considered eligible transactions.)

Conditions to double up the cashback offer.

You must:

- Set up one (1) recurring and automatic direct deposit of your payroll or monthly recurring pension

You benefit of 60 days following the checking account opening to meet the offer conditions and obtain the cashback.

Cashbacks will be done in one (1) deposit in your new National Bank checking account within 120 days of the opening date for the subscribed products.

Commitment

To be granted the cashback, you must maintain the eligible products and services, and not make any changes related to these products and services for a minimum of 12 months after signing up for them. If you do not meet this condition, you will have to repay to the Bank an amount corresponding to the period in which you did not keep your eligible products and services, within 30 days of receiving the request for payment.

Clients who have benefit from a cashback offer on their checking account since November 1st 2017 are not eligible to this offer.

Ready to apply?

Apply online and an advisor will contact you shortly to set up an appointment.